SmartFinancial, Inc. (SMBK)

NYSE: SMBK · Real-Time Price · USD

48.89

-0.87 (-1.75%)

Sep 29, 2026, 2:04 PM EDT - Market open

SmartFinancial Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	204.19	192.71	166.35	149.38	161.2	135.71
Revenue Growth	14.10%	15.84%	11.36%	-7.33%	18.78%	26.11%
Net Income	57.39	50.35	36.14	28.59	43.02	34.79
Earnings Per Share	3.39	2.98	2.14	1.69	2.55	2.22
EPS Growth	37.23%	39.25%	26.63%	-33.73%	14.87%	37.04%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	389.72	477.62	399.71	365.09	278.26	1,046
Total Debt	120.81	126.95	73.49	80.27	106.47	144.29
Net Cash (Debt)	268.91	350.67	326.22	284.83	171.79	902.11
Net Cash Growth	-12.02%	7.50%	14.53%	65.80%	-80.96%	157.62%
Net Cash Per Share	15.88	20.75	19.33	16.84	10.18	57.46

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	73.44	61.72	52.7	39.72	56.79	46.18
Capital Expenditures	-8.08	-2.39	-6.41	-6.27	-12.49	-2.38
Free Cash Flow	65.36	59.34	46.3	33.45	44.31	43.81
Free Cash Flow Growth	22.63%	28.17%	38.42%	-24.51%	1.14%	85.38%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	28.11%	26.13%	21.73%	19.14%	26.69%	25.64%
FCF Margin	32.01%	30.79%	27.83%	22.39%	27.48%	32.28%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 29, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.360	0.320	0.320	0.320	0.280	0.240
Dividend Per Share Growth	6.25%	0%	0%	14.29%	16.67%	20.00%
Dividend Yield	0.73%	0.87%	1.05%	1.34%	1.06%	0.92%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 29, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	14.48	12.51	14.51	14.56	10.80	13.21
Forward PE	12.36	11.49	14.15	14.27	9.28	12.99
P/FCF Ratio	12.87	10.62	11.33	12.44	10.48	10.49
PS Ratio	4.12	3.27	3.15	2.79	2.88	3.39